There are many ways, but you can use distribution. It may not be the easiest, but I find it easier to do it this way unless I use a calculator.
(1+0.15)(3+0.2)
First, do 1*3 and 1*0.2
You get 3 and 0.2 which added equals 3.2
Then do 0.15*3 and 0.15*0.2
You get 0.45 and 0.03 which added equals 0.48
Add those together and get 3.68.